Data Flow Diagram
Two Phases of Fetching Data
User Consent Request
User Consent Request
- A consent is raised with OneMoney when the user wants to initiate financial data sharing through PFM application
- The user can approve or reject the consent
- A consent callback is received, with the consent status (APPROVED or REJECTED)
- If the consent in APPROVED, partial data of the user (basic details like link reference number etc) are stored
Data Fetching and Analytics Generation
Data Fetching and Analytics Generation
- Data Callback is received for approved consents, which contains the raw FI data
- Analytics is generated on the FI data received
- On successful generation, the analytics is shared with the user
Analytics Response Structure
For detailed field explanations and complete data structure references, see our Analytics Data Dictionary which covers all analytics response fields in depth.ETF Analytics
ETF Analytics
{
"status": "SUCCESS",
"data": {
"etfAnalysis": {
"overallAnalysis": {
"totalPortfolioValue": 250000,
"totalInvestedAmount": 200000,
"absolutePercentageReturn": 25.0,
"profitAmount": 50000,
"xirr": 12.5,
"portfolioConsolidatedAnalysis": [],
"accountDetails": [
{
"name": "John Doe",
"dob": "1990-01-15",
"mobile": "9876543210",
"nominee": "Jane Doe",
"dematId": "12345678901234567890",
"landline": "",
"address": "123 Main Street, City, State, 123456",
"email": "john.doe@example.com",
"pan": "ABCDE1234F",
"linkReferenceNumber": "LRN123456789",
"dataFetchTimeStamp": "2024-02-15T10:30:00Z"
}
],
"folioDetails": [
{
"folioNo": "ETF12345678",
"linkedAccRef": "ACC123456",
"totalFolioValue": 125000,
"totalInvestedAmount": 100000,
"dematId": "12345678901234567890"
}
]
},
"errorFlags": [],
"fundWiseAnalysis": [
{
"isin": "INF204KB17I5",
"fundName": "Nippon India ETF Nifty 50",
"accountDetails": [
{
"folioNo": "ETF12345678",
"linkedAccRef": "ACC123456"
}
],
"totalPortfolioValue": 125000,
"nav": 250.50,
"units": 500,
"lastNavDate": "2024-02-15"
}
],
"marketCapBasedAnalysis": {
"LARGE_CAP": {
"percentageContribution": 60.0,
"portfolioValue": 150000
},
"MID_CAP": {
"percentageContribution": 20.0,
"portfolioValue": 50000
},
"SMALL_CAP": {
"percentageContribution": 15.0,
"portfolioValue": 37500
}
}
}
}
}
Mutual Funds Analytics
Mutual Funds Analytics
{
"status": "SUCCESS",
"data": {
"mutualFundsAnalysis": {
"overallAnalysis": {
"totalPortfolioValue": 500000,
"totalInvestedAmount": 400000,
"absolutePercentageReturn": 25.0,
"profitAmount": 100000,
"xirr": 15.2,
"accountDetails": [
{
"name": "John Doe",
"dob": "1990-01-15",
"mobile": "9876543210",
"folioNo": "MF12345678",
"pan": "ABCDE1234F",
"kycCompliance": "COMPLIANT",
"ckycCompliance": "COMPLIANT"
}
]
},
"errorFlags": [],
"mutualFundWiseAnalysis": [
{
"isin": "INF090I01239",
"amcName": "HDFC Asset Management Company",
"fundName": "HDFC Equity Fund - Direct Plan - Growth",
"totalInvestedAmount": 200000,
"totalPortfolioValue": 250000,
"nav": 125.50,
"units": 1992.03,
"profitAmount": 50000,
"absolutePercentageReturn": 25.0,
"expenseRatio": 1.05,
"cagr": 18.5,
"xirr": 17.2,
"marketCapitalizationType": "LARGE_CAP",
"schemeCategory": "EQUITY"
}
]
}
}
}
Equities Analytics
Equities Analytics
{
"status": "SUCCESS",
"data": {
"equitiesAnalysis": {
"overallAnalysis": {
"totalInvestedAmount": 600000,
"totalPortfolioValue": 750000,
"profitAmount": 150000,
"absolutePercentageReturn": 25.0,
"accountDetails": [
{
"name": "John Doe",
"dob": "1990-01-15",
"mobile": "9876543210",
"dematId": "12345678901234567890",
"pan": "ABCDE1234F",
"email": "john.doe@example.com"
}
]
},
"errorFlags": [],
"stockWiseAnalysis": [
{
"currentlyInvested": true,
"totalPortfolioValue": 250000,
"units": 100,
"currentStockPrice": 2500,
"totalInvestedAmount": 200000,
"companyName": "Reliance Industries Limited",
"sector": "Oil & Gas",
"isin": "INE002A01018"
}
],
"marketCapBasedAnalysis": {
"LARGE_CAP": {
"percentageContribution": 70.0,
"profitAmount": 105000,
"portfolioValue": 525000
},
"MID_CAP": {
"percentageContribution": 20.0,
"profitAmount": 30000,
"portfolioValue": 135000
}
}
}
}
}
Deposit Analytics
Deposit Analytics
{
"status": "api contract to be added"
}
Term Deposits Analytics
Term Deposits Analytics
{
"status": "SUCCESS",
"data": {
"profiles": [
{
"link_reference_no": "LRN123456789",
"dob": "1990-01-15",
"pan": "ABCDE1234F",
"name": "John Doe",
"email": "john.doe@example.com",
"mobile": "9876543210",
"address": "123 Main Street, City, State, 123456",
"nominee": "Jane Doe",
"current_value": "250000",
"principal_amount": "200000",
"interest_on_maturity": "50000",
"interest_rate": "7.5",
"tenure": "60",
"opening_date": "2024-01-15",
"closing_date": "2029-01-15",
"bank_name": "HDFC Bank",
"data_fetch_date": "2024-02-15T10:30:00Z",
"is_partial_data": false
},
{
"link_reference_no": "LRN987654321",
"dob": "1990-01-15",
"pan": "ABCDE1234F",
"name": "John Doe",
"email": "john.doe@example.com",
"mobile": "9876543210",
"address": "123 Main Street, City, State, 123456",
"nominee": "Jane Doe",
"current_value": "150000",
"principal_amount": "100000",
"interest_on_maturity": "50000",
"interest_rate": "8.0",
"tenure": "36",
"opening_date": "2023-06-01",
"closing_date": "2026-06-01",
"bank_name": "SBI",
"data_fetch_date": "2024-02-15T10:30:00Z",
"is_partial_data": false
}
],
"overall_analytics": {
"link_reference_no_list": [
"LRN123456789",
"LRN987654321"
],
"reference_end_date": "2024-02-15",
"aggregated_term_deposits_amount": [
{
"data": {
"total_term_deposits_amount": 400000
}
}
],
"grouped_term_deposits_balance": [
{
"data": {
"term_deposit_balances": [
{
"bank_name": "HDFC Bank",
"total_amount": 250000,
"count": 1
},
{
"bank_name": "SBI",
"total_amount": 150000,
"count": 1
}
]
},
"config": {
"period": 30,
"sortby": "amount_desc",
"grouping": "bank_wise"
}
}
]
}
}
}
Recurring Deposits Analytics
Recurring Deposits Analytics
{
"status": "SUCCESS",
"data": {
"profiles": [
{
"link_reference_no": "LRN456789123",
"dob": "1990-01-15",
"pan": "ABCDE1234F",
"name": "John Doe",
"email": "john.doe@example.com",
"mobile": "9876543210",
"address": "123 Main Street, City, State, 123456",
"nominee": "Jane Doe",
"ckyc_compliance": "COMPLIANT",
"current_value": "65000",
"principal_amount": "60000",
"interest_rate": "6.8",
"interest_on_maturity": "12000",
"tenure": "24",
"opening_date": "2023-02-01",
"maturity_date": "2025-02-01",
"bank_name": "ICICI Bank",
"branch": "MG Road Branch",
"ifsc": "ICIC0001234",
"maturity_amount": "72000",
"recurring_amount": "2500",
"recurring_deposit_day": "1",
"data_fetch_date": "2024-02-15T10:30:00Z",
"is_partial_data": false
},
{
"link_reference_no": "LRN789123456",
"dob": "1990-01-15",
"pan": "ABCDE1234F",
"name": "John Doe",
"email": "john.doe@example.com",
"mobile": "9876543210",
"address": "123 Main Street, City, State, 123456",
"nominee": "Jane Doe",
"ckyc_compliance": "COMPLIANT",
"current_value": "45000",
"principal_amount": "36000",
"interest_rate": "7.2",
"interest_on_maturity": "10800",
"tenure": "18",
"opening_date": "2023-08-01",
"maturity_date": "2025-02-01",
"bank_name": "Axis Bank",
"branch": "Commercial Street Branch",
"ifsc": "UTIB0001567",
"maturity_amount": "46800",
"recurring_amount": "2000",
"recurring_deposit_day": "5",
"data_fetch_date": "2024-02-15T10:30:00Z",
"is_partial_data": false
}
],
"overall_analytics": {
"link_reference_no_list": [
"LRN456789123",
"LRN789123456"
],
"reference_end_date": "2024-02-15",
"aggregated_recurring_deposits_amount": [
{
"data": {
"total_recurring_deposits_amount": 110000
}
}
],
"grouped_recurring_deposits_balance": [
{
"data": {
"recurring_deposit_balances": [
{
"bank_name": "ICICI Bank",
"total_amount": 65000,
"count": 1
},
{
"bank_name": "Axis Bank",
"total_amount": 45000,
"count": 1
}
]
},
"config": {
"period": 30,
"sortby": "amount_desc",
"grouping": "bank_wise"
}
}
]
}
}
}